“Precision” - A single man in his early 40s, with no kids and a permanent renter, is stepping away from work with a $1.3M net worth (91st percentile for his age group), an 80/20 stock-bond allocation, and a meticulous plan to live on $30K/year in a mid-cost-of-living suburb (2.3% withdrawal rate). He tracks every expense to the dollar, accepts his own low-cost, low-material needs, and is candid about the “luck” of good health and steady employment. Healthcare and rent remain his only major wildcards, but a low withdrawal rate and full flexibility to move offer peace of mind. He expects no Social Security windfall and is game for a future that may require adapting, but is content with trading higher spending for the freedom and joy of time.